I have Cigna through my employer. I had to get special exclusions approved ahead of time and a letter of agreement to my surgeon from them and I only put my deposit down for the date and had some deductibles to pay. Overall it was a huge pain and no matter how hard I had tried to be well prepared, it was difficult and I didn't know until just before my surgery that I would actually be getting it. I had my SRS covered on my plan 10/90 until I reached my out of pocket maximum. Hope this info is helpful. 🙂
